I started orthodontic treatment 8/19/24 and made my 1st down payment for $1500. I received a interest free Auto pay plan for the rest of the cost of Invisalign ($4000) which is where I pay $225 each month for 18 months. I didn't have a HSA at the time or the HDHP until 12/1/24. I already made contributions when I opened HSA towards the Dec monthly payment and distributed after for it which showed up on my tax form assuming it would be covered but now second guessing myself and don't want to end up paying penalties if audited. Are payments made for the treatment after Dec 1st eligible or should I stop contributing towards this? I have the Autopay plan receipt paperwork that shows how much will be taken out each month. This is also getting charged to my credit card where I will reimburse myself. I use Fidelity HSA.
I wasn't eligible for HSA from my new job until Dec and didn't know much about how HSA's work until now. From my understanding orthodontic treatment is a qualified medical expense but maybe not in my situation since I started treatment before.
